Hi -
With help from Jens (developer, programmer) and Joe at Software Hut I've got the X-Surf card running OK. Both were very prompt an receiving and answering e-mails. I was just a tad frustrated at the complexity of the problem, and the time it took to figure things out.
There are bugs with the installation script, but with help from Amiga.Org and others I learned where to find the required files, where to move them to, and how to approach getting the TCP/IP programs configured properly.
The card itself turns out to be fine, and the actual drivers do what they need to do.
I still can not get the Installation Wizards for either Genesis or MiamiDX to work properly. I got MiamiDX to work at last using the configuration file that was set-up for my Amiga 1200 and 3-Comm PCM-CIA card. I moved this file to my A4000 and used that to get the program running, then told it to use the X-surf.device instead of the 3Comm.device driver. Poof . . it connected just fine.
Sorry if I ruffled some feathers. Thanks for helping, everbody.